The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$34,659
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$35,737
−HK$1,095/mo
Today · 4.125%
HK$36,832
baseline
▲ 0.50% · 4.625%
HK$39,073
+HK$2,241/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$73,664/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$569,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,557
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$39,591
−HK$1,049/mo
Today · 4.125%
HK$40,640
baseline
▲ 0.50% · 4.625%
HK$42,783
+HK$2,143/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$81,280/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$569,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,590
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$42,884
−HK$1,314/mo
Today · 4.125%
HK$44,198
baseline
▲ 0.50% · 4.625%
HK$46,888
+HK$2,690/mo
Deposit HK$6.08M · loan HK$9.12M · min. income ≈ HK$88,396/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$569,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,269
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$47,510
−HK$1,259/mo
Today · 4.125%
HK$48,769
baseline
▲ 0.50% · 4.625%
HK$51,339
+HK$2,570/mo
Deposit HK$6.08M · loan HK$9.12M · min. income ≈ HK$97,538/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$569,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,522
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$50,031
−HK$1,534/mo
Today · 4.125%
HK$51,565
baseline
▲ 0.50% · 4.625%
HK$54,702
+HK$3,137/mo
Deposit HK$4.56M · loan HK$10.64M · min. income ≈ HK$103,130/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$569,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,980
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$55,428
−HK$1,469/mo
Today · 4.125%
HK$56,897
baseline
▲ 0.50% · 4.625%
HK$59,896
+HK$2,999/mo
Deposit HK$4.56M · loan HK$10.64M · min. income ≈ HK$113,794/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$569,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,385
−HK$3,913/mo
▼ 0.25% · 3.875%
HK$64,326
−HK$1,972/mo
Today · 4.125%
HK$66,298
baseline
▲ 0.50% · 4.625%
HK$70,332
+HK$4,034/mo
Deposit HK$1.52M · loan HK$13.68M · min. income ≈ HK$132,596/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,403
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$71,265
−HK$1,888/mo
Today · 4.125%
HK$73,153
baseline
▲ 0.50% · 4.625%
HK$77,009
+HK$3,856/mo
Deposit HK$1.52M · loan HK$13.68M · min. income ≈ HK$146,306/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,979 · Scale 2, in force from 26 Feb 2026)